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Prepaid debit cards or gift cards are easy ways to send money to someone without a bank account. Prepaid debit cards and gift cardsAccording to a 2021 FDIC study, nearly a third of unbanked households commonly use prepaid debit cards. Tips for sending money to someone without a bank accountWhen sending money to someone without a bank account, Marguerita Cheng, CFP® professional, RICP, and CEO of Blue Ocean Global Wealth, suggests comparing different options to find the best for your situation. Money transfer services, prepaid debit cards, gift cards, and digital payment apps or digital wallets are alternatives to sending and receiving money without a bank account. International money transfer services, such as those offered by Western Union or MoneyGram, can help you send money securely to someone without a bank account who lives overseas.

Persons: Venmo, It's, Marguerita Cheng, Cheng, you'll, You'll, you'd, Avanzamos Organizations: PayPal, Venmo, Apple, FDIC, CFP, Blue, Bank, Western Union Locations: Western Union, Western, Chevron

A kids' bank account is a type of joint bank account where an adult and a minor both have access. Types of bank accounts for minorsThere are two primary joint bank account options: kids' savings accounts and teens' checking accounts. Depending on where you bank, you may need to open a traditional savings account or a specialized bank account tailored to children. A custodial bank account is not the same as a traditional kids' bank account. Some national banks permit online applications when opening a bank account on behalf of a minor, but many require opening a minor's first bank account at a physical branch.

Persons: Elaine King, King, Banks Organizations: CFP, Family, Social Locations: Chevron

☆ Juice your portfolio income with these dividend payers that offer high yields, Wells Fargo says
▼ + stars: | 2024-07-23 | by ( Darla Mercado | Cfp | ) www.cnbc.com time to read: +4 min

High dividend yield stocks can boost investors' portfolio income — if they are willing to take some risk — and Wells Fargo Investment Institute has a list of its favorite picks. Further, a company that offers a high dividend yield may be more likely to cut the payment when times get tough. Chevron , a top pick in Wells Fargo's integrated oils coverage, made the high dividend yield list. Wells Fargo Investment Institute also highlighted PepsiCo in its high dividend yield screen. Other names on Wells Fargo's high dividend yield list include Medtronic , Lockheed Martin and Cisco Systems .

Persons: Thomas Christopher, Christopher, Wells, Roger Read, Hess, Read, Jefferies, Kaumil Gajrawala, Omnicom, Lockheed Martin Organizations: Wells, Wells Fargo Investment Institute, Investment Institute, Chevron, Exxon Mobil, Hess Corp, PepsiCo, Gatorade, Quaker Oats, Frito, Omnicom, Lockheed, Cisco Systems Locations: Wells Fargo, Guyana

It can be hard to figure out what bank accounts you should have, with all the different types of savings accounts and checking accounts there are. While there are some high-yield checking accounts, the vast majority of checking accounts don't earn interest. Savings AccountsSaving accounts, unlike checking accounts, generally let you earn interest, with the best high-yield savings accounts earning more than 4% annual percent yield. Ideal Number of Bank AccountsUltimately, the number of bank accounts you need will depend on your individual financial goals. Multiple Bank Account FAQsWhy might someone need more than one bank account?

Persons: you'll, We've, Jerel Butler, Christopher Stroup, Stroup, Butler, you've Organizations: Zenith Wealth Partners, Abacus Wealth Partners

Compare the Top Bank Accounts for College StudentsWe researched over a dozen banks to find the best checking accounts and savings accounts for college students. Determine if you want a bank account specifically for college students or a standard bank account. The bank account agreement shares details about the bank account, like the opening requirements, minimum balance requirements, and interest rate. Best Bank Accounts for College Students FAQsWhat makes a bank account student-friendly? We researched more than a dozen bank accounts at brick-and-mortar banks, online banks, credit unions, and online banking platforms to find the strongest bank accounts ideal for college students.

Persons: Alliant, Foster, You'll, Ally, Chase, Doesn't, JP Morgan Chase, Jeffrey Epstein's, Banks, Tania Brown, Sophia Acevedo, Roger Ma, James Organizations: Banking, College Students Student, College, Credit Union, Alliant Credit, Credit, Ally Bank, Ally, Capital, Savings, Easy Branch, Chase, Chase Mobile, U.S, Zero, JPMorgan Chase Bank, N.A, FDIC, Chase Bank, SoFi Bank, Green, Better, BBB, U.S . Virgin, SEC, Futures, Mobile, Bank, College Students, Business Locations: Chicago , Illinois, NY, LA, TX, VA, NJ, Washington, Connecticut , Delaware , Louisiana , Maryland , New Jersey , New York , Texas, Virginia, DC, U.S, N.A, J.D

In fact, the best CD rates offer around 4% to 5% annual percentage yield (APY) right now. For example, you may prefer a high-yield savings account over a CD if you want to withdraw and deposit money at any time. Once the Federal Reserve starts cutting interest rates, CD rates are likely to drop incrementally throughout 2024. Sometimes, if you deposit more money into a CD, you'll be able to get a higher rate. A few financial institutions may also impose limits for a maximum CD deposit amount.

Persons: isn't, you'll, Banks, it's, Elizabeth, Patrina Dixon, Dixon Organizations: Dixon Consulting, Federal Reserve, FDIC, Federal Credit Union, Connexus Federal Credit Union, Consumers Federal Credit Union Locations: CFEI, Chevron, Connexus

Where to purchase a money orderPost officesYou can get a money order through your local post office. If you're on the receiving end of a money order, you'll want to make sure the money order isn't counterfeit. If a stranger or a company you haven't heard of or worked with before is asking for a money order, make sure that they're legit before sending them a money order. Hand deliveryIf you're giving the money order to someone you know, you can always hand-deliver the money order. Unlike with cash, you can use your receipt to get a new money order if your first money order is lost or stolen, so there's less risk when carrying it to the recipient.

Persons: We've, Maggie Gomez, Maggie, you'll, it's, Banks, You'll, you've, refunding, Gomez, haven't Organizations: CFP, Walmart, Western Union

You can keep money in a bank account during a recession and it will be safe through FDIC and NCUA deposit insurance. Up to $250,000 is secure in individual bank accounts and $500,000 is safe in joint bank accounts. If you're concerned about whether money is safe in a bank during a recession, there's good news — your money will be likely secure in a bank account. Savings accounts, checking accounts, money market accounts, and CDs are examples of federally insured bank accounts. Up to $250,000 is secure in individual bank accounts, and $250,000 is protected per owner in joint bank accounts.

Persons: they're, Jeffrey Miron, Miron, Charles Calomiris, Maggie Gomez, Maggie, Gomez, You'll, Banks Organizations: FDIC, Pew Research, Federal Deposit Insurance Corporation, Harvard University, Columbia Business School, National Credit Union Administration, Bank, doesn't Locations: U.S, United States, Chevron

☆ Here's where Kamala Harris could stand on tax policy, experts say
▼ + stars: | 2024-07-22 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

U.S. Vice President Kamala Harris speaks during a campaign event at Westover High School in Fayetteville, North Carolina, on July 18, 2024. With President Joe Biden officially out of the election, experts are watching for tax policy from Vice President Kamala Harris, the frontrunner for the Democratic nomination. While Harris has yet to outline her economic agenda, voters could see similar themes to Biden's proposals, which have called for higher taxes on the wealthy and corporations, experts say. The Harris campaign did not immediately respond to CNBC's request for comment. Here's what to watch from Harris when it comes to tax issues, according to policy experts.

Persons: Kamala Harris, Joe Biden, Harris, Biden, Garrett Watson Organizations: Westover High School, Democratic, Finance, Trump, Tax Foundation, Biden Locations: Fayetteville , North Carolina

☆ Boost your portfolio income with this options strategy, according to Bank of America
▼ + stars: | 2024-07-22 | by ( Darla Mercado | Cfp | ) www.cnbc.com time to read: +3 min

Investors can generate portfolio income and benefit from price appreciation in their stock holdings with an options strategy — provided they do it right. In addition, if the strike price is sufficiently higher than the current price, the initial investor can benefit from the appreciation in the meantime. For instance, if the underlying stock falls short of the strike price, the premium can provide some cushion on the downside. Bank of America highlighted a call option with a strike price of $220 against Constellation Energy . Freshpet also made the grade, with Bank of America highlighting a call option with a $140 strike price.

Persons: Arjun Goyal, you'll, Russell, Freshpet, TD Cowen Organizations: Bank of America, Constellation Energy, Microsoft, Constellation, Bank of, Republican Locations: Virginia, Washington

When the Federal Reserve raises rates, the interest rate on your savings account tends to go up, too. See the best savings account rates right now »If you bank with an online institution, you may have received an email or message from your bank that the interest rate on your high-yield savings account is going up. The interest rate on a high-yield savings account fluctuates and isn't fixed. This means if you open an high-yield savings account, its normal to see the interest rate go up or down over time. If the Federal Reserve lowers interest rates, savings interest rates will usually drop.

Persons: Marguerita Cheng, Cheng, they've, you've Organizations: Federal, Federal Reserve, CFP, RICP, Blue, Global Wealth, FDIC

Kid's savings accounts are a great way to teach your kids how to budget, create savings goals, and start building up their savings. Best Kids Savings Account ReviewsThe best savings accounts for kids offer good monitoring features, educational resources, and low monthly fees. Key Benefits of a Kids' Savings AccountThe key benefit of getting a kid's savings account is that you can grow your child's savings in a relatively accessible and safe way. Features to Look for in a Kids' Savings AccountHigh Interest Rates on Kid's BankingFor the most part, kid's savings accounts are interest-earning accounts. How to Open a Savings Account for Your ChildChildren's Savings Account Eligibility RequirementsA kid cannot open a savings account on their own.

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Unless you find a high interest rate on a no-penalty CD, you'll likely prefer a savings account. No-penalty CDs vs. Savings AccountsIf you're deciding between a no-penalty CD and a savings account, there are two distinctions you'll want to pay close attention to: the interest rate and when you can deposit or withdraw money. Get Exclusive Savings with Raisin: Compare market leading no-penalty CD and savings accounts with a no-fee Raisin account. "You should only choose a no-penalty CD if the rate is significantly higher than a high-yield savings account," says Carlos. Savings accounts allow more accessibility to your money than a no-penalty CD since you can deposit money into a savings account at any time.

Persons: you'll, Alvin Carlos, Carlos, Jerel Butler, Butler Organizations: Federal Reserve, Federal, CFA, CFP, District Capital Management, Governors, Millenial

High-yield savings accounts are like traditional brick-and-mortar savings accounts, but they generally offer much higher rates. Featured Nationally Available Deposit RatesBest High-Yield Savings Accounts TodayThe best high-yield savings accounts will have a strong interest rate, good perks, and national accessibility. The Different Types of Savings AccountsThere are six types of savings accounts: traditional savings accounts, high-yield savings accounts, money market accounts, certificates of deposit, cash management accounts, and specialty savings accounts. Alternatives to High-Yield Savings AccountsHigh-Yield Savings Accounts vs. CDsThe best CD rates are comparable to the best high-yield savings account rates. High-Yield Savings Accounts vs. Money Market AccountsMoney market accounts are similar to high-yield savings accounts, but they typically make it easier to access your savings.

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Renovation loan eligibilityTo get a loan for a house renovation, you'll need to meet certain credit requirements. Cash-out refinances or renovation loans rolled into mortgages are typically the best renovation loan programs because they come with the lowest rates. Home renovation loans FAQsAre renovation loans a good idea? Renovation loans, or home improvement loans, can be a good idea for homeowners looking to make both essential and cosmetic changes to their homes. Renovation loans make it relatively convenient to complete upgrades or repairs that can boost your home's value.

Persons: It's, Fannie Mae's, Freddie Mac's, you'll, Douglas Boneparth Organizations: Federal Housing Administration, Bone, reno, Chevron

Here are the best mortgage lenders for first-time homebuyers and the affordable loans they offer, as chosen by Business Insider editors in 2024. If you're a Bank of America Preferred Rewards customer, you can get discountsCheck mark icon A check mark. Offers many unique types of mortgagesCheck mark icon A check mark. Low Cost Mortgages come with only $295 in closing costsCheck mark icon A check mark. Mortgage credit certificatesSome HFAs also offer mortgage credit certificates to first-time homebuyers.

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☆ How Project 2025 could impact your tax bracket and capital gains under a second Trump term
▼ + stars: | 2024-07-20 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

More from Personal Finance:Lower capital gains tax, SNAP cuts: What Project 2025 could mean for your walletMany Americans think they're insulated from climate change. On a website dedicated to Project 2025, the Biden campaign describes the plan as a "blueprint for Trump." However, several former Trump officials have been directly affiliated with Project 2025 and Trump praised the Heritage Foundation in April 2022 in a recently resurfaced video. "As President Trump said, he has nothing to do with Project 2025," said Steven Cheung, a spokesman for the Trump campaign. Earlier this month, the group told CNBC: "As we've been saying for more than two years now, Project 2025 does not speak for any candidate or campaign.

Persons: Donald Trump applauds, Donald Trump, Joe Biden, Biden, Trump, Steven Cheung, we've Organizations: Republican National Convention, Heritage Foundation, Finance, Lower, SNAP, Federal, Trump, GOP, CNBC Locations: Milwaukee , Wisconsin, U.S

Best Investing Apps of 2024Top Investing Apps of 2024The best investment apps help you achieve wealth-building goals while diversifying your portfolio and providing the accessibility and convenience of mobile trading for the everyday investor. Here are the best investment apps available to traders, as chosen by Business Insider's editors in 2024. Best Investing App OverallE*TRADE is a one-stop shop for investing and the overall best app. Betterment reviewBest Investing App for MobileAs one of the best stock trading apps for beginners, Acorns Invest is the best investing app for mobile traders seeking automated trading strategies and customized ETF portfolios. Best Investment Apps FAQsWhat is the best app to start investing on?

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Fidelity vs. Charles Schwab: At a GlanceFidelity and Charles Schwab are two of the largest and most reputable brokerage firms featured in several of our guides, including the best robo-advisors. Making a Choice: Fidelity vs. Charles SchwabFidelity Investments and Charles Schwab are great for all kinds of traders. Charles Schwab is better for higher balances and offers a more comprehensive selection of advanced charting tools like the thinkorswim platform. Fidelity vs. Charles Schwab Frequently Asked Questions (FAQs)Can I open both Fidelity and Charles Schwab accounts? You can open both a Fidelity and Charles Schwab brokerage account to take advantage of each platform's best features and services.

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Index funds are a type of investment vehicle aiming to match the returns of a specific market index. "Index funds generally benefit an investor by providing diversification and relatively low fees compared to actively managed funds. Decide which index funds to invest inNow it's time to decide which index funds you want to invest in. "In this scenario, the investor would research the universe of index funds available and purchase the funds they'd like to own." Index fund investing FAQsHow do I buy an index fund on my own?

Persons: Warren Buffett, Julian Schubach, Louis, Ameritrade, Charles Schwab, you've, Schwab Organizations: Independence, Nasdaq, Nasdaq Stock Market Dow, NYSE, New York Stock Exchange, U.S, Federal Reserve Bank of St, Market, Fidelity, Vanguard, Chevron Locations: Chevron

Updating your name with the credit bureaus can prevent delays in credit applications and other credit reporting errors. Hinterhaus Productions/Getty ImagesTransgender and nonbinary people can report their legal name change to credit bureaus. One of the many steps in your legal transition is to report your legal name change to all three credit bureaus — Experian, Equifax, and TransUnion — so it'll appear on your credit report. How to report a name change with the credit bureausBefore you update your name with the credit bureaus, you first need to update your name on your driver's license, Social Security card, and utility bills first since credit bureaus ask for copies of those documents to verify your name change request. Box 4500Allen, TX 75013TransUnionUnlike the other two credit reporting bureaus, TransUnion requires you to change your legal name with every individual financial institution listed on their credit report first.

Persons: Hinterhaus, there's, —, TransUnion, Ryan Klippel, Here's, Klippel, folx, you'll, Experian Experian, Allen, it's Organizations: Social Security, Optas, Social, TransUnion, National Center for Transgender Equality, UC Berkeley, Google, Security Locations: myEquifax, Allen , TX, Chester , PA, California

☆ Global tech outage hits financial services companies, including Charles Schwab
▼ + stars: | 2024-07-19 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Amid a widespread global IT outage, some investors were experiencing disruptions on Friday at financial services companies, including Charles Schwab , one of the country's largest brokerage firms. The issues stem from a faulty software update from cybersecurity company CrowdStrike, which affected businesses worldwide, including airlines, banks and media outlets. CrowdStrike CEO George Kurtz said the company is "actively working with customers impacted by a defect found in a single content update for Windows hosts." A banner across Charles Schwab's website said "certain online functionality may be intermittently slow or unavailable," noting that phone services may be disrupted with "longer than usual hold time." Charles Schwab did not immediately respond to CNBC's request for comment.

Persons: Charles Schwab, George Kurtz, Charles Schwab's Organizations: Windows, Finance, Education Department

Many people fail to adjust their retirement savings when their income grows. I started making my retirement savings strategy a priority, from automating monthly contributions to maxing out various savings vehicles, from 401(k) plans to SEP IRAs. Not adjusting your retirement savings with your lifestyleAnother retirement mistake? Consider a financial advisor. Finding a financial advisor doesn't have to be hard.

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The Best Free Stock Trading AppsCharles Schwab: Best overall free stock trading appFidelity Investments: Best trading app for index fundsSoFi Invest: Best for beginnersWebull: Best trading apps for options tradingRobinhood Investing: Best trading apps for active tradingE*TRADE: Best trading apps for all types of investorsInteractive Brokers: Best trading apps for advanced tradersPassive and active investors can benefit from commission-free trading on investments like stocks and ETFs. Compare the Top Free Stock Trading AppsThe best free stock trading apps offer low account minimums, commission-free trading, research, financial tools, educational resources, and more. Interactive Brokers reviewBest Free Stock Trading Apps FAQsWhich app is best and free for trading? SoFi is our top pick for the best free stock trading app for beginners because of its automated trading services and low-cost investment strategies. How to Choose the Best Free Stock Trading AppThe best free stock trading apps for beginners will offer low fees, low minimums, easy-to-use platforms, and access to educational resources like webinars and blogs.

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Benefits of passive income strategiesWhat makes passive income strategies so appealing are the benefits, such as:Requires less ongoing effort: Compared to working full-time, passive income requires significantly less time and effort. Drawbacks of passive income strategiesWhile the concept of earning passive income sounds attractive, it's crucial that you understand all the risks involved and that you manage your expectations accordingly. Some of the major drawbacks of passive income strategies are:Unpredictability: The success of passive income strategies can be unpredictable and are generally out of your hands. Passive income — Frequently asked questions (FAQs)How much money do I need to start generating passive income? While some passive income streams require consistent minimal effort after the initial setup, other passive income strategies may require more extensive hands-on maintenance or monitoring.

Persons: Tiffany Grant, there's, wouldn't, Bonds, Melissa Jean, Baptiste, Grant, You'll, you'll Organizations: Coca, US Treasury, Federal Reserve, IRS

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